What is IBAN? (continued)

Example of an IBAN:FR14 2004 1010 0505 0001 3M02 606

On a technical level, an IBAN consists of a two-letter country code FR (which indicates France in this case), followed by a two-digit checksum 14 and a domestic bank account number consisting of up to thirty alphanumeric characters 2004 1010 0505 0001 3M02 606. Domestic bank account numbers, often referred to as a Basic Bank Account Number or BBAN, consist of a branch or routing codes and the account number which in some countries may include alphabetics; all BBANs conform to ISO 13616. Various examples of national IBAN formats are listed in the table below. All countries codes conform to ISO 3166-1. The list below includes all countries that have adopted IBAN as of 2006.

IBAN availability worldwide

Key - ¶: EU regulation 2560/2001 (providing free or low-cost cross-border transfers using IBAN) does not apply to these countries along with Guernsey, Jersey, Isle of Man and Vatican City whom are not members of the EU/EEA, kk/K: checksums, BBB: bank code, bbb: branch code, CCC: account number, SSSS: first four characters of BIC code, RR: reserved, X: ID number, ddd: currency code.

Country

International Bank Account Number format

Albania ¶

ALkk BBBb bbbK CCCC CCCC CCCC CCCC

Andorra ¶

ADkk BBBB bbbb CCCC CCCC CC

Austria/Österreich

ATkk BBBB BCCC CCCC CCCC

Belgium/Belgique/Belgie

BEkk BBBC CCCC CCKK

Bosnia and Herzegovina ¶

BAkk BBBb bbCC CCCC CCKK

Bulgaria

BGkkSSSS bbbb CCCC CCCC CC

Croatia ¶

HRkk BBBB BBBC CCCC CCCC C

Cyprus

CYkk BBBb bbbb CCCC CCCC CCCC CCCC

Czech Republic/Ceska

CZkk BBBB CCCC CCCC CCCC CCCC

Denmark/Danmark

DKkk BBBB CCCC CCCC CK

Estonia

EEkk BBBB CCCC CCCC CCCK

Faroe Islands/Foroyar ¶

FOkk BBBB CCCC CCCC CK

Finland/Suomi

FIkk BBBB BBCC CCCC CK

France

FRkk BBBB Bbbb bbCC CCCC CCCC CKK

Georgia ¶

GEkk BBCC CCCC CCCC CCCC CC

Germany/Deutschland

DEkk BBBB BBBB CCCC CCCC CC

Gibraltar

GIkk BBBB CCCC CCCC CCCC CCC

Greece/Ellas

GRkk BBBb bbbC CCCC CCCC CCCC CCC

Greenland ¶

GLkk BBBB CCCC CCCC CK

Hungary/Magyarorszag

HUkk BBBb bbbK CCCC CCCC CCCC CCCK

Iceland

ISkk BBBB CCCC CCCC XXXX XXXX XX

Ireland/Eire

IEkkSSSSbbbb bbCC CCCC CC

Israel ¶

ILkk KBBBb bbCC CCCC CCCC CCC

Italy/Italia

ITkk KBBB BBbb bbbC CCCC CCCC CCC

Kazakhstan ¶

KZkk BBBC CCCC CCCC CCCC

Kuwait ¶

KWkk BBBB CCCC CCCC CCCC CCCC CCCC CCCC CC

Latvia/Latvija

LVkk BBBB CCCC CCCC CCCC C

Lebanon ¶

LBkk BBBB CCCC CCCC CCCC CCCC CCCC

Liechtenstein

LIkk BBBB BCCC CCCC CCCC C

Lithuania

LTkk BBBB BCCC CCCC CCCC

Luxembourg

LUkk BBBC CCCC CCCC CCCC

Macedonia ¶

MKkk BBBC CCCC CCCC CKK

Malta

MTkk BBBB bbbb bCCC CCCC CCCC CCCC CCC

Mauritania ¶

MRkk BBBB Bbbb bbCC CCCC CCCC CKK

Mauritius ¶

MUkk BBBB BBbb CCCC CCCC CCCC RRRd dd

Monaco

MCkk BBBB Bbbb bbCC CCCC CCCC CKK

Montenegro ¶

MEkk BBBC CCCC CCCC CCCC KK

Netherlands/Nederland

NLkk BBBB CCCC CCCC CC

Norway/Norge

NOkk BBBB CCCC CCK

Poland/Polska

PLkk BBBB BBBB CCCC CCCC CCCC CCCC

Portugal

PTkk BBBB bbbb CCCC CCCC CCCK K

Romania ¶

ROkkSSSS CCCC CCCC CCCC CCCC

San Marino ¶

SMkk KBBB BBbb bbbC CCCC CCCC CCC

Saudi Arabia ¶

SAkkBBCC CCCC CCCC CCCC CCCC

Serbia ¶

RSkk BBBC CCCC CCCC CCCC KK

Slovak Republic/Slovensko

SKkk BBBB CCCC CCCC CCCC CCCC

Slovenia/Republika Slovenija

SIkk BBBB BCCC CCCC CCCC CKK

Spain/España

ESkk BBBB bbbbKKCC CCCC CCCC

Sweden/Sverige

SEkk BBBC CCCC CCCC CCCC CCCK

Switzerland/Schweiz/Suisse ¶

CHkk BBBB BCCC CCCC CCCC C

Tunisia ¶

TNkk BBbb bCCC CCCC CCCC CCKK

Turkey/Turkiye ¶

TRkk BBBB BRCC CCCC CCCC CCCC CC

United Kingdom/Great Britain

GBkkSSSSbbbb bbCC CCCC CC

Additional notes on IBAN country coverage and validity of EU regulation 2560/2001. France includes these overseas territories where EU regulation 2560/2001 is valid: French Guiana, Guadeloupe, Martinique and Réunion. France also covers these overseas French territories where EU regulation 2560/2001 is not valid: New Caledonia, French Polynesia, Saint Pierre and Miquelon, French Southern Territories, Wallis and Futuna, and Mayotte. Spain includes: Canary Islands, Ceuta and Melilla. Portugal includes: Azores and Madeira. Northern Ireland bank transfers are cleared through Republic of Ireland or United Kingdom depending on the bank. As previously noted Guernsey, Jersey and Isle of Man are not EU/EEA members so EU regulation 2560/2001 does not apply. Guernsey and Jersey are cleared through France or United Kingdom depending on the bank. Isle of Man bank transfers are cleared through United Kingdom.

BIC + IBAN = free bank transfers in Euros

Provided the equivalent domestic bank transfer is free, then under EU regulation 2560/2001 a BIC + IBAN cross border bank transfer is also free to a sender or recipient in that country.

Domestic bank transfers are known variously as: Transfert bancaire local in France and Belgium/Belgique, Transferencia dentro de España in Spain/España, Trasferimento bancario Domestico in Italy/Italia, Bankoverchrijving in Belgium/Belgie, Overboeking in Netherlands/Nederland, Inlandsüberweisung in Austria/Österreich, Germany/Deutschland, Switzerland/Schweiz and Liechtenstein, Domestic Bank Transfer in Ireland/Eire and United Kingdom, Bankoverchrijving in Finland/Suomi, Nettgiro in Norway/Norge, Bankgiro in Sweden/Sverige, Domestic Bank Transfer in Denmark/Danmark, HUF Giro-System in Hungary/Magyarorszag, Przelew krajowy in Poland/Polska, and Tuzemska uhrada in Czech Republic/Ceska Republika, Slovakia/Slovensko and Slovenia/Republika Slovenija. Check with your bank for details and costs (if any) of domestic bank transfers.